Commercial vehicle coverage for fleets, company cars, and business trucks in Central KY.
Business Auto Insurance for Kentucky Companies
Whether you have one work truck or an entire fleet, we build coverage that protects your business on the road.
When a vehicle is used for business purposes, personal auto insurance typically does not cover accidents that occur during business use. Business auto insurance — also called commercial auto insurance — is specifically designed to protect vehicles owned or used by your business, employees who drive on the job, and the substantial liability exposure that comes with operating vehicles commercially.
At Nova Insurance Group, we help businesses throughout Lexington, Nicholasville, Jessamine County, Richmond, Berea, Danville, Harrodsburg, and Central Kentucky design commercial auto programs that provide comprehensive protection at competitive rates.
What Does Business Auto Insurance Cover?
- Commercial Auto Liability — Covers bodily injury and property damage caused to others while you or your employees drive on business. Commercial liability limits are typically higher than personal auto to reflect greater business exposure.
- Collision Coverage — Pays for damage to your business vehicle in an accident, regardless of fault.
- Comprehensive Coverage — Covers theft, fire, vandalism, hail, flooding, and other non-collision damage to your business vehicles.
- Uninsured/Underinsured Motorist — Protects your business if one of your vehicles is hit by a driver with no insurance or insufficient coverage.
- Medical Payments / PIP — Covers medical expenses for employees involved in an accident while driving on business.
- Hired Auto Coverage — Protects your business when employees rent vehicles for business purposes.
- Non-Owned Auto / Employers Non-Owned Liability — Covers liability exposure when employees use personal vehicles for work. This is a critical gap in many business insurance programs.
- Cargo and Equipment Coverage — For businesses transporting tools, materials, or client goods, inland marine coverage protects what’s in the vehicle.
Who Needs Business Auto Insurance?
Your business needs commercial auto coverage if you: own vehicles titled to your business, use personal vehicles regularly for business purposes, have employees who drive for work, transport goods or equipment, or operate service vehicles (contractor trucks, delivery vehicles, company cars).
Important Kentucky Business Auto Considerations
Kentucky’s minimum liability requirements for commercial vehicles vary based on vehicle class and use. Companies operating larger commercial trucks may be subject to FMCSA requirements and higher minimum liability limits. We’ll make sure your coverage meets all applicable state and federal requirements.
Frequently Asked Questions: Business Auto Insurance in Kentucky
What is the difference between personal auto and commercial auto insurance?
Personal auto insurance covers vehicles used primarily for personal transportation. Commercial auto covers vehicles used for business purposes, typically with higher liability limits and coverage for employees who drive on the job. Using a personal vehicle for business without proper disclosure can void your personal auto coverage in a claim.
Does my personal auto insurance cover me when I use my car for work?
In most cases, no. If you have an accident while making a delivery, visiting a client, or performing other business activities, your personal auto insurer may deny the claim. A commercial auto policy or business use endorsement is needed.
What is employers non-owned auto liability?
Employers non-owned auto liability (ENOL) covers your business’s liability when employees use their personal vehicles for work tasks. If an employee causes an accident while running a work errand, ENOL protects your business from the resulting liability claim.
How much does commercial auto insurance cost in Kentucky?
Premiums in Kentucky vary widely based on vehicle type, count, operator driving records, coverage limits, and business type. Light commercial vehicles typically run $1,500–$3,000 per vehicle per year. Fleet discounts are available for multiple vehicles.
Do I need commercial auto insurance if I only occasionally use my personal car for business?
If business use is incidental and infrequent, a business use endorsement on your personal auto policy may suffice. However, if you regularly drive for business, transport goods or clients, or if the vehicle is titled to your business, a commercial auto policy is appropriate.
Talk to an Agent
As an independent agency, we offer multiple options at competitive prices.
